Finance Friday: A Back-Door Way to Make a Roth IRA Contribution

If your income limits are too high this year to make a Roth IRA contribution, there is a simple way to solve this problem. First make a non-deductible IRA contribution. Within a few days of making that contribution, convert your non-deductible IRA to a Roth IRA, because there are no income limitations on making Roth conversions.

This back-door approach works well if you have only non-deductible IRA money. If you have other types of IRAs, such as deductible IRA money or rollover money in an IRA from a 401k or 403b, then converting non-deductible IRA money to a Roth gets messier. That’s the time to consult with a tax advisor first.


About Mike Wilson

Michael L. Wilson, MBA, CFP®, CRC®, is the owner of Integrity Financial Planning. Prior to founding Integrity in 1998, he worked for two years as a faculty member at the College for Financial Planning in Denver, training other financial advisors. Mike has 10 years of experience in the mutual fund industry, having worked with Fidelity Investments and Invesco Mutual Funds. He holds an MBA in Finance from Baylor University. Learn more about his work at
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